--- title: "15 U.S.C. 1681h FCRA: Conditions and form of disclosure to consumers" canonical: "https://dposchool.com/fcra/section/1681h" source: "https://uscode.house.gov/us/usc/119-136/t15/s1681h/" source_note: "Source: United States Code, title 15, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced." text_as_of: "2026-10-22" language: "en" publisher: "DPO School" --- 15 U.S.C. 1681h FCRA · Chapter 41: CONSUMER CREDIT PROTECTION # 15 U.S.C. 1681h FCRA: Conditions and form of disclosure to consumers United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026. ## Official text ### 15 U.S.C. 1681h(a) **(a)** In general #### 15 U.S.C. 1681h(a)(1) **(1)** Proper identification A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. #### 15 U.S.C. 1681h(a)(2) **(2)** Disclosure in writing Except as provided in subsection (b), the disclosures required to be made under section 1681g of this title shall be provided under that section in writing. ### 15 U.S.C. 1681h(b) **(b)** Other forms of disclosure #### 15 U.S.C. 1681h(b)(1) **(1)** In general If authorized by a consumer, a consumer reporting agency may make the disclosures required under 1 1681g of this title⁠— ##### 15 U.S.C. 1681h(b)(1)(A) **(A)** other than in writing; and ##### 15 U.S.C. 1681h(b)(1)(B) **(B)** in such form as may be⁠— ###### 15 U.S.C. 1681h(b)(1)(B)(i) **(i)** specified by the consumer in accordance with paragraph (2); and ###### 15 U.S.C. 1681h(b)(1)(B)(ii) **(ii)** available from the agency. #### 15 U.S.C. 1681h(b)(2) **(2)** Form A consumer may specify pursuant to paragraph (1) that disclosures under section 1681g of this title shall be made⁠— ##### 15 U.S.C. 1681h(b)(2)(A) **(A)** in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice; ##### 15 U.S.C. 1681h(b)(2)(B) **(B)** by telephone, if the consumer has made a written request for disclosure by telephone; ##### 15 U.S.C. 1681h(b)(2)(C) **(C)** by electronic means, if available from the agency; or ##### 15 U.S.C. 1681h(b)(2)(D) **(D)** by any other reasonable means that is available from the agency. ### 15 U.S.C. 1681h(c) **(c)** Trained personnel Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to section 1681g of this title. ### 15 U.S.C. 1681h(d) **(d)** Persons accompanying consumer The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer’s file in such person’s presence. ### 15 U.S.C. 1681h(e) **(e)** Limitation of liability Except as provided in sections 1681n and 1681o of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 1681g, 1681h, or 1681m of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report 2 except as to false information furnished with malice or willful intent to injure such consumer. ## Notes in the official text - (1) So in original. Probably should be followed by “section”. - (2) So in original. Probably should be followed by a comma. ## Source Source: United States Code, title 15, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced. Source credit: ( Pub. L. 90-321, title VI, § 610 , as added Pub. L. 91-508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1131 ; amended Pub. L. 104-208, div. A, title II, § 2408(e)(1) , (4), (5)(B), Sept. 30, 1996 , 110 Stat. 3009–438 , 3009–439.) [15 U.S.C. 1681h on the Office of the Law Revision Counsel](https://uscode.house.gov/us/usc/119-136/t15/s1681h/) United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026. This is reference material, not legal advice. ## Navigation [FCRA Navigator](https://dposchool.com/fcra) / 15 U.S.C. 1681h Previous: [15 U.S.C. 1681g FCRA: Disclosures to consumers](https://dposchool.com/fcra/section/1681g) Next: [15 U.S.C. 1681i FCRA: Procedure in case of disputed accuracy](https://dposchool.com/fcra/section/1681i) ## For AI agents - Machine-readable index: https://dposchool.com/fcra/llms.txt - JSON API: https://dposchool.com/fcra/api/v1/index.json - Vendor privacy and security facts: https://vendor.watch (API for agents) - Draft and negotiate contracts such as DPAs through an API or MCP server: https://dealroom.todo.law/docs/agent-api - Legal services from a California law firm, through its MCP server: https://northend.law/agents